Toronto, Ontario Insurance Agency Guide
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TD Insurance

Updated 2026-07-24 · 1,697 reviewed · 415 listed · Scored from 50 Google reviews · How we rank ›

1.5(50) 48 composite score See reviews on Google ✓ Google-verified
Auto InsuranceHome & Property InsuranceLife InsuranceHealth & Travel Insurance
TD Insurance
Services
Auto Insurance, Home & Property Insurance, Life Insurance
Reviews
50

What recent reviews say

TD Insurance charges premiums well above market rates and often fails to answer phones; wait times exceed 90 minutes. Long-term customers report overcharging on renewals, unexplained rate hikes, refusals to accept payment corrections, and claims adjusters who disappear when accidents happen. One reviewer found premiums more than double competitors for similar coverage. Billing confusion (annual vs. monthly charges, hidden renewal page charges, erroneous extra payments) goes unresolved for hours or longer. In accident claims, the company demands customers chase down contractors and assumes HST charges without prior notice. Cancellation penalties not itemized in renewal papers appear on bills. Reviewers describe inflexible policy enforcement that abandons long-standing customers over honest payment oversights.

A single five-star review praised one agent, Suh K, as exceptionally knowledgeable. That exception is far outweighed by 86% one and two-star ratings reflecting systemic billing errors, unresponsive staff, surprise fees, and a pattern of non-communication when customers need help most.

Praised for
  • knowledgeable staff (rare)
  • long-standing availability
Watch-outs
  • excessive wait times and poor phone accessibility
  • unexpected billing charges and confusing renewal processes
  • inflexible cancellation practices and hidden fees
  • unresponsive claims handling and poor accident support
  • unexplained rate increases without customer consent
  • alleged fraud and billing errors
overpricedhard-to-reachlong-wait-timespoor-communicationhidden-feesclaim-deniedconfusing-policyslow-claims-process
Think twice if: Avoid if you value responsive customer service, clear billing, or flexible claims handling. Long waits (90+ minutes) and unanswered phones are standard.

Strengths

  • multi-line insurance offerings (auto, home, life, motorcycle)
  • established national reach across eight provinces and territories

Worth knowing

  • Agent Suh K praised as exceptionally knowledgeable (one review, a year ago)
  • Wait times documented at 90+ minutes
  • Reviewer switched from TD and cut home insurance premiums from $1,400+ to $500+ with nearly identical coverage
  • 8-year customer charged 14 monthly payments instead of 12; issue remained unresolved after speaking with manager
  • Policy cancellations over unpaid balances despite customer immediate willingness to pay; no flexibility shown
  • Accident not-at-fault claim: adjuster unresponsive; customer charged HST not previously disclosed; rental car support delayed 10+ days
  • Policy cancelled by third-party contractor report delay; customer expected to chase contractor themselves
  • Renewal cancellation penalty ($380 observed) not disclosed in renewal papers

What reviews say by service

Auto Insurance
Rate increases unexplained and not customer-approved; claims adjusters unresponsive; cancellation penalties undisclosed; wait times 90+ minutes.
Home & Property Insurance
Premiums significantly overpriced compared to market; renewal billing confusion (hidden charges on second page, wrong payment count); inflexible cancellation despite customer willingness to pay; policy cancelled over third-party contractor delays.
Life Insurance
No specific review detail available.
Health & Travel Insurance
No specific review detail available.

How it compares

  • Rated 1.5 against a 4.08 average across the 263 auto insurance businesses listed here.
  • Has more Google reviews than 70% of the businesses in this directory.

How we scored this

Ranking Method
Star rating 0
Review volume 74
Review recency 100
Review sentiment 26
Profile completeness 100
Verification 30

Rating breakdown

5
6
4
0
3
1
2
0
1
43

Common questions

How long do I wait to speak with someone?
Waits of 90+ minutes are documented in recent reviews. No callback option is mentioned.
Will my rates go up, and can I know by how much?
Reviewers report unexplained rate increases and say the company refuses to estimate impact before you file a claim.
If I miss a renewal payment, can we fix it?
One long-term customer's immediate offer to pay a missed $316 balance was refused and the policy was cancelled instead.
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Last updated 2026-07-24